How to protect your My GM Rewards points while you are alive
There is no way to name a beneficiary or successor on a My GM Rewards account. While the account holder is alive, General Motors allows transfers to another member.
Because General Motors' terms forfeit My GM Rewards points at death, anything preserved is moved or used while the account holder is alive. There is no way to name a beneficiary or successor on a My GM Rewards account. While the account holder is alive, General Motors allows transfers to another member.
How to protect your My GM Rewards points
- •A new Chevrolet, Buick, GMC, or Cadillac vehicle purchase or lease
- •A CarBravo certified used vehicle purchase at a participating GM dealership
- •GM Certified Service, GM Genuine Parts and ACDelco Parts, eligible accessories, and GM Protection Plans
- •Most OnStar plans, General Motors Insurance, and the GM Company Store
- •GM Financial and Cadillac Financial account balances, and GM exclusive experiences
Naming who acts after a death
- Designation
There is no way to name a beneficiary on a My GM Rewards account; a member-to-member transfer completed while the member is living is how points move to a family member.1
What General Motors's terms say about sharing and transfers4
- Pooling with family
My GM Rewards has no household or family pooling account.1
- Transfers to another member
GM promotes point sharing: members "can even share them with loved ones and friends who are also GM Rewards Members."2
Under Section 3(K), a member may transfer points to another individual member through the point transfer request or by phone; the transferring member must have been enrolled for more than 30 days.1
A member must call the GM Rewards Member Support Center to initiate or receive transfers totaling more than 300,000 points in a calendar year. Transfers occur instantly.1
- Expiry and activity requirements
Unredeemed points expire seven years after the member's last earn or redemption activity, and transfer activity does not count as activity for that clock. Promotional points may expire earlier.1, 2
Transferred points follow the expiration date of the recipient's account, except that a transfer into an account with no point balance starts the clock on the transferred points.1
- Transferring the account or registration
Under Section 2(A) of the Terms, "Membership is non-transferrable."1
Sources2
- 1.GM Rewards Program Terms and Conditions, Updated: May 20, 2025
- 2.GM Rewards Support: Earn points
Should you save your passwords for your family?
Some people store account passwords so a family member can sign in later. The practice has three practical limits:
- Two-factor authentication often blocks it. Most accounts require a second factor — a code sent to a phone, an authenticator app, a passkey, or a physical key. A saved password alone frequently does not grant access, and the recovery codes that would are easy to lose or let go stale.
- It usually conflicts with the platform's terms. Most operators prohibit account sharing and signing in as another person, including after a death. Stored credentials are not the operator's recognized access path, and using them can violate the terms of service.
- Operators provide other paths. Where an operator offers a designation tool — Apple's Legacy Contact, Google's Inactive Account Manager, a beneficiary designation — that mechanism grants access the operator recognizes. A password manager's own emergency-access or legacy feature passes credentials through a controlled process. Digital assets named in a will or trust give a fiduciary authority under each state's Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA).
Sources
Data sourced from General Motors primary sources (6 pages reviewed). How we research.
My GM Rewards customer support
GM Rewards Member Support Center
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